Health Insurance for Gig & Service Workers

If you work in hospitality, salons, restaurants, rideshare, or any gig-based job, finding health coverage can be confusing and stressful. True North Associates understands the realities of unpredictable schedules and income—so we help you find insurance that’s flexible, affordable, and ready when you need it. Expect education-first, independent advice and a plan that matches real life.

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Fast Paths to Coverage—No Employer Needed

Not having work benefits doesn’t mean you’re stuck. We show you all your options: ACA Marketplace plans (with or without subsidies), private short-term insurance, indemnity plans, and alternatives you can buy year-round. You’ll see “best fit” scenarios and clear guardrails about what’s covered and what isn’t—so you never waste money or get caught without the coverage you need.

Built for Real Life: How We Help

Fast Enrollment When You Need It

If you’re between gigs or waiting on a new job to start, we help you get insured quickly—sometimes in just a day or two. No more weeks of paperwork or guessing about when coverage starts.

Flexible for Changing Schedules

With shifts and gigs that change by the week, your plan needs to move with you. We help you compare monthly and short-term options so you’re not paying for more than you need.

Coverage That Protects When It Counts

Many service jobs come with injury risk or urgent care needs. We walk you through what’s covered (ER visits, prescriptions, preventive care) and what to expect if something goes wrong, so you can plan for life’s surprises.

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Is This For Me?

Best fit if: You want coverage you can enroll in quickly, don’t get employer benefits, or need flexibility for travel or seasonal gigs.

Not a fit if: You need comprehensive coverage for ongoing conditions, want to keep one doctor long-term, or have complex medical needs (but we’ll guide you to the best alternative if so).

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Your Questions, Answered

  • What health insurance can I get if my job doesn’t offer benefits?

    You can enroll in ACA Marketplace plans, short-term health insurance, or fixed indemnity options—depending on your budget and needs. We explain eligibility, help you apply, and clarify what each plan does and doesn’t cover.

  • Is there health insurance I can buy year-round?

    Yes—short-term and some private plans offer enrollment any time, while Marketplace plans have set periods unless you have a qualifying event. We help you choose based on your timeline.

  • What’s the cheapest way to have health coverage?

    The lowest-cost plans are often short-term or fixed indemnity, but they may have big coverage gaps. We show you how to balance cost and risk, and never recommend something that leaves you exposed in an emergency.

  • Can you help if I’m moving for work?

    Absolutely—our virtual process works anywhere, and we’ll guide you on how to keep coverage if you change states or jobs.

Get Covered—Without the Chaos

Skip the stress and get advice that actually fits your work and life. Book a call for a fast, honest comparison, and get covered with clarity—so you can focus on your next shift, not your insurance.